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Net worth update per


This is theflairbunny's #74 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 521,654 and my FI portfolio increased to GBP 523,872


Net worth

GBP 521,654

Since the last update on my net worth has increased with GBP 47,637 (+ 10.05 %).

FI portfolio

GBP 523,872

Since the last update on my FI portfolio has increased with GBP 49,855 (+ 10.52 %).

The per-day change in net worth between the reported periods are shown in the plot below.


And the development and changes between each net worth reporting is shown in the tables below.

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in GBP.
Change
Cash 17,880 -17,880 0
Investments 325,388 +52,027 377,415
Retirement acc 130,749 +15,708 146,457
Real estate 0 0 0
Other assets 0 0 0
Total assets 474,017 +49,855 523,872

Mortgage 0 0 0
Other debt 0 + 2,218 2,218
Total debt 0 + 2,218 2,218
Change
Cash 24,709 -24,709 0
Investments 352,080 +25,335 377,415
Retirement acc 149,023 -2,566 146,457
Real estate 0 0 0
Other assets 0 0 0
Total assets 525,812 -1,940 523,872

Mortgage 0 0 0
Other debt 0 + 2,218 2,218
Total debt 0 + 2,218 2,218
Change
Cash 2,082 -2,082 0
Investments 3,137 +374,278 377,415
Retirement acc 7,160 +139,297 146,457
Real estate 0 0 0
Other assets 0 0 0
Total assets 12,379 +511,493 523,872

Mortgage 0 0 0
Other debt 15,575 -13,357 2,218
Total debt 15,575 -13,357 2,218

I am now 87.3% on my way to achive my FIRE target of GBP 600,000. This is 8.3 percentage points closer, compared to the last net worth update.

GBP 523,872 FIRE target: GBP 600,000


87.3%

FI portfolio

My FI portfolio now consists of GBP 377,415 (72.0%) in investments, GBP 146,457 (28.0%) in retirement accounts, and GBP 0 (0.0%) in cash.

Investments

Since my last update, my investments increased with GBP 52,027 (15.99%).

Since I started tracking, my total contributions have been GBP 285,377, and my total return has been GBP 96,126.

Retirement accounts

Since my last update, my retirement accounts increased with GBP 15,708 (12.01%).

Since I started tracking, my total contributions have been GBP 106,397, and my total return is GBP 32,215.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be GBP 1,746 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
1,746/month
(4.0% SWR)
1,527/month
(3.5% SWR)
1,309/month
(3.0% SWR)


When can I retire?

FI date

My age

34

I am currently aiming to save/invest approximately GBP 6,000 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 600,000 in 0 years and 7 months, in , and at that time I will be 34 years old.

By that time I will have invested/saved another GBP 54,000, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 22,128


Financial independence forecast